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Years ago Tom lost it all. He lost his livelihood, his savings, and had to put his dreams on hold…all because of something he couldn’t control.
Now his mission is to help people avoid this devastation in their own lives.
The company he worked with had followed a proven process to invest their clients money, safely growing it for over 140 years. Then after falling in love with the siren song of Wall Street the company risked their assets in the stock market instead of safe investments.
After the Tech Bubble burst and 9-11 attacks, the company crashed. Investors lost their money. Employees lost their jobs. The company shut its doors laid everyone off. Tom lost his career.
Tom vowed never to risk his wealth in wall street again. From that day he's focused on safe money strategies that help people enjoy peace of mind and avoiding the financial and emotional devastation he went through when the market crashes.
“ There was nothing anyone could do about it. None of us have control of
the Stock Market. We are at its mercy.”
“I saw the tears and looks of terror as people saw their money absolutely plummet. There was nothing anyone could do.”
“Right now people are forgetting this very important lesson. They are in trouble and they don’t even know it. Crashes and cycles are always going to repeat, what goes up must come down. It’s just a matter of when. That’s why my mission is to help you avoid losing it all like I did.”
Tom has tutored, mentored and taught students his entire life. After college he was a teacher and mentor for college students as well. He also speaks at the Sacred Heart Parrish in Webster.
He now focuses on mentoring people who want to build their wealth and their retirement without worrying about all the risks. He helps people who want to retire with peace of mind and a guaranteed income that will last them as long as they live.
Tom grew up with a unique situation most will never face. His Father was a paraplegic from an accident when Tom was just a small boy.
Fortunately because Tom’s father had the foresight to buy a disability insurance policy the family had an income they could survive on.
Tom’s father’s accident was only the beginning of the family’s challenges. For much of his adult life he’s had to care for brothers, aunts, and parents who have fought cancer, dementia, and a myriad of other health challenges. An essential part of Toms 140 Method™ is designed to protect you from these health challenges that he has seen first hand from ruining your financial security.
Tom grew up in a small town with old fashion American values. He looked up to his brother, and wanted to make his family proud. “I grew up Catholic, we learned to do what’s right and to lead by example. We were taught to make the most of ourselves through hard work and determination. I still believe in those values. With Dad being in a wheel chair my whole life, we grew up with very little extra money. But through what I learned in my family and faith, I’ve been able to create a successful business helping others protect their wealth.”
Tom has a soft spot in his heart for pets. He has two boxers. “I take my dogs hiking, I have two boxers and my girlfriend has several cats and dogs as well. We love to spend time taking them for walks and getting out doors.” He also donates time and money to the North Shore Animal League, which is a rescue service for homeless animals.
When he’s not taking care of his family and his pets, Tom is a train aficionado.
“I am a railroad lover. I’ve traveled across the country to just about every railroad museum there is. I love the history and the sense of Americana they hold. It is amazing to see these beautiful machines, the old steam locomotives that helped America become the amazing country it is today. “
Tom is an avid sports fan. His father grew up playing professional basketball, so sports have always been a big part of his life. Because of his dads love for basketball Tom grew up watching basketball, and Bob Cousey was his favorite player.
Of course being from Massachusetts, the Red Sox have always been his favorite baseball team. It was devastating in 1978 when the Red Sox lost to the Yankees, but finally they came around and won it all years later.
Even a 3% inflation erodes your buying power over time, making your money worth less, and the cost of living increase.
A single 20% or 30% market crash can not only hurt your account balances, but it can cause you to run out of money years sooner.
CPA and Tax Expert Ed Slott says “Taxes are a larger risk than market crashes.” If you have all your retirement income in qualified plans like IRA’s and 401(k)’s that require you to pay taxes when you take the money out, you have a huge tax liability.
Statistics show that long term health care costs can be the largest expense in retirement, what have you done to protect your nest egg and your family from being hammered by this expense?
Will your nest egg provide enough income to give you the retirement you want, for as long as you live? Most people have no idea.
Longevity is the great RISK MULTILPIER. Do you know how long you will live? Hopefully a long prosperous life. Longer life spans multiply the likelihood of each of these risks happening to you.
If you don’t have a plan in place RIGHT NOW to protect against these 6 Retirement Risks, then
request a 140 Method Consultation right now.
You’ll see how to survive and thrive in retirement while protecting yourself against each of
these 6 harmful retirement risks.